Which of the Following Statements Is UNTRUE

Which of the following statements is UNTRUE?

A) A moral hazard is typically created by a government intervention to rescue a failed institution, as it signals the government's willingness to come to the rescue whenever similar institutions are in trouble
B) In the US, financial institutions traditionally had kept mortgage loans on their books until maturity, . but prior to the subprime crisis they changed from 'originate and hold' to 'originate and distribute'
C) The existence of a moral hazard in relation to financial institutions and the shift to an 'originate and distribute' modus operandi by mortgage originators lead to an increase in the complacency about the credit risk of subprime borrowers by US financial institutions
D) All of the answers given